If you're in the US, using tether makes no sense. You can keep your fiat in nostr:npub1xkere5pd94672h8w8r77uf4ustcazhfujkqgqzcykrdzakm4zl4qeud0en to earn 3.8% interest that is paid in bitcoin.

You can easily transfer it to nostr:npub1ex7mdykw786qxvmtuls208uyxmn0hse95rfwsarvfde5yg6wy7jq6qvyt9 to pay bills. Not everyone is so lucky.